中国式“影子银行”监管法律制度研究

发布时间：2018-02-20 07:53

本文关键词： 影子银行商业银行金融监管法律制度　出处：《吉林财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文主要是研究如何完善影子银行的法律监管制度,首先,本文从影子银行产生开始介绍,何谓影子银行,影子银行的发展过程。美国次贷危机后,影子银行的定义被大范围地认可。影子银行从最早期的资产证券化形式开始发展,到现在影子银行体系结构的无限复杂。我国影子银行也从国外传入国内,弥补了我国金融业的一段空白。其次,通过对中国式影子银行具体特征进行分析,分析其影子银行对我国金融业带来的影响。影子银行的存在对于我国金融业来说既是机遇又是挑战,我们既要利用影子银行为我国新兴金融业带来了新的机遇,又要防止我国踏上美国经济危机的后路。我国现有的几种影子银行的形式分别是,银行的理财产品,信托计划和地下钱庄等不透明信贷机构。根据这些产品的特征,我国现如今出台一些政策来控制这些产品有可能给我国金融市场的风险。之后,分别对美国、英国、日本三个国家影子银行监管的现状进行分析,并且总结了金融危机过后,这三个国家分别对自己国家影子银行存在的监管漏洞进行了怎样的修改。总结了三个国家的经验,为我国影子银行监管提出了几点意见。最后,通过对国外对银子银行所采取的各种政策和法律法规的分析,总结经验,借鉴国外监管影子银行的成功案例,结合我国的具体国情,从四个角度完善我国影子银行法律监管制度。
[Abstract]:This paper is to research how to perfect the legal supervision system, the shadow banking: first, from the beginning of what is the shadow banking, shadow banking, shadow banking development process. After the U.S. subprime mortgage crisis, the definition of shadow banking is recognized widely. The shadow banking began to develop from the early form of asset securitization, to the present system the structure of the shadow banking infinitely complex. China's shadow banks also introduced from abroad the domestic, make up the blank of China's financial industry. Secondly, based on the specific characteristics of the shadow banking China type analysis, analyzing the influence of shadow banking on China's financial industry. The existence of shadow banking for China's financial industry both opportunities and challenges, we should use has brought new opportunities for the emerging financial shadow banking industry in our country, but also to prevent China's economic crisis in the United States on China's existing bridges. Some form of shadow banking, bank financial products, trust and underground banks and other credit institutions. According to the characteristics of these opaque products, China now introduced a number of policies to control these products may have to the risk of financial market in China. Then, respectively, to the United States, Britain, Japan in three the national shadow banking supervision were analyzed and summarized after the financial crisis, the three countries are how to modify their existing state of shadow banking regulatory loopholes. Summarize the experience of three countries, put forward some suggestions for China's shadow banking supervision. Finally, through the analysis of adopted by foreign countries the silver bank's policies and laws and regulations to sum up experience, learn from the successful foreign shadow banking supervision, combined with China's specific national conditions, to improve China's shadow banking law from four angles Regulation system.

【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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